Coverage Definition

Home Country Coverage

No coverage

What is Home Country Coverage?

Home Country Coverage provides benefits for incidental trips to the insured’s home country. Restrictions and reduced benefits may apply. Some policies provide optional cover for this benefit at an additional cost. Please refer to the policy wording for full details.

What am I covered for?

There is no Home Country Coverage with this plan.

Definitions

“Accident” means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.

“Accidental Injury” means bodily injury caused by an Accident, directly and independently of all other causes and sustained on or after the Effective Date of this coverage and on or before the Scheduled Return Date. Benefits for Accidental Injury will not be paid for any loss caused by Sickness or other bodily diseases or infirmity.

“Actual Cash Value” means purchase price less depreciation.

“Additional Expense” means any reasonable expenses for meals and lodging which were necessarily incurred as the result of a covered loss and which were not provided by the Common Carrier or any other party free of charge.

“Assistance Company” means the service provider with whom We have contracted to coordinate and deliver emergency travel assistance, medical evacuation and repatriation.

“Baggage” means luggage and personal effects and possessions whether owned, borrowed, or rented, and taken by You on the Covered Trip.

“Bankruptcy” means the filing of a petition for voluntary or involuntary Bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 U.S.C. Subsection 101 et seq.

“Business Equipment” means property used in trade, business, or for the production of income; or offered for sale or trade or components of goods offered for sale or trade.

“Business Partner” means an individual who: (a) is involved in a legal partnership; and (b) is actively involved in the day to day management of the business.

“Carry On Baggage” means a piece of Baggage that is not Checked Baggage and is owned by and accompanies You while traveling on a Common Carrier.

“Checked Baggage” means a piece of Baggage for which a claim check has been issued to You by a Common Carrier.

“Check(ed)-In” means the moment You register at the Hotel or Motel.

“Check(ed)-Out” means the moment You vacate the Hotel or Motel room and pay the itemized total costs incurred for Your stay.

“City” means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas, or airspace.

“Common Carrier” means any regularly scheduled land, sea, and/or air conveyance operating under a valid license for the Transportation of passengers for hire.

“Complications of Pregnancy” means a condition whose diagnosis is distinct from pregnancy but is adversely affected or caused by pregnancy.

“Covered Expenses” shall mean expenses incurred by You which are: for Medically Necessary services, supplies, care, or treatment; due to Sickness or Accidental Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary charges; incurred while insured under the Policy; and which do not exceed the maximum limits shown in the Schedule of Benefits, under each stated benefit.

“Covered Trip” means a trip for which You request insurance coverage and pay the required premium, and includes:

a) a period of travel away from home to a destination outside Your City of residence; and

“Default” means a material failure or inability to provide contracted services due to financial insolvency.

“Dependent Child(ren)” means Your children, including an unmarried child, stepchild, legally adopted child or foster child who is: less than age 19 and primarily dependent on You for support and maintenance; or who is at least age 19 but less than age 23 and who regularly attends an accredited school or college; and who is primarily dependent on You for support and maintenance.

“Domestic Partner” means a person, at least 18 years of age, with whom You have been living in a spousal relationship with evidence of cohabitation for at least 6 continuous months prior to the Effective Date of coverage.

“Effective Date” means the date and time Your coverage begins, as outlined in Section III. Eligibility and Period of Coverage of the Policy.

”Emergency Medical Evacuation” means Your medical condition warrants immediate Transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained.

”Emergency Sickness” means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria: (1) there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or place Your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while Your coverage is in force and during Your Covered Trip.

“Emergency Treatment” means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.

b) operates primarily for the care and treatment of sick or injured persons as in-patients;

c) has a staff of 1 or more Physicians available at all times;

d) provides 24 hour nursing service and has at least 1 registered professional nurse on duty or call;

e) has organized diagnostic and surgical facilities, either on the premises or in facilities available to the Hospital on a pre-arranged basis; and

f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged or similar institution.

“Inclement Weather” means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

“Insured” means a person who has enrolled for insurance under this Policy. You and Your also means the Insured.

“Medically Necessary” means that a treatment, service, or supply is: essential for diagnosis, treatment or care of the Accidental Injury or Sickness for which it is prescribed or performed, meets generally accepted standards of medical practice and is ordered by a Physician and performed under his or her care, supervision or order.

“Payments or Deposits” means the cash, check, or credit card amounts actually paid for Your Covered Trip. Certificates; vouchers; frequent traveler rewards, miles or points; discounts and/or credits applied (in part or in full) towards the cost of Your Covered Trip are not Payments or Deposits as defined herein.

“Physician” means a licensed practitioner of medical, surgical or dental services acting within the scope of his or her license and shall include Christian Science Practitioners. The treating Physician may not be You, a Traveling Companion or a Family Member.

“Policy” shall mean this individual Policy document, the Schedule of Benefits, and any endorsements, riders or amendments that will attach during the period of coverage.

“Pre-Existing Condition” means any Accidental Injury, Sickness or condition of You, Your Traveling Companion, or Your Family Member booked to travel with You for which medical advice, diagnosis, care or treatment was recommended or received within the 90 day period ending on the Effective Date. Sicknesses or conditions are not considered pre-existing if the Sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.

b) does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and

c) does not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary charges exceed the actual amount charged.

“Scheduled Departure Date” means the date on which You are originally scheduled to leave on the Covered Trip.

“Scheduled Return Date” means the date on which You are originally scheduled to return to the point of origin or to a different final destination or to Your primary residence from a Covered Trip.

“Sickness” means an illness or disease which is diagnosed or treated by a Physician on or after the Effective Date of insurance and while You are covered under the Policy.

“Strike” means a stoppage of work (a) announced, organized and sanctioned by a labor union and (b) which interferes with the normal departure and arrival of a Common Carrier. Included in the definition of Strikes are work slowdowns and sickouts.

“Terrorist Attack” means an incident deemed an act of terrorism by the U.S. Department of State.

“Transportation” means any land, sea or air conveyance required to transport You during an Emergency Medical Evacuation. Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles.

“Traveling Companion” means person(s) booked to accompany You on Your Covered Trip. Note: A group or tour leader is not considered a Traveling Companion unless You are sharing room accommodations with the group or tour leader.

8. Participation in any military maneuver or training exercise, police service, or any loss while you are in the service of the armed forces of any country;

9. Participation as a professional athlete; participation in non-professional, organized amateur or interscholastic athletics or sports competitions or events;

10. Piloting or learning to pilot or acting as a member of the crew of any aircraft;

11. Services not shown as covered;

12. Cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child;

13. Suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Colorado and Missouri, sane only) committed by You, Your Traveling Companion or Your Family Member, whether or not insured;

14. Traveling for the purpose of securing medical treatment;

15. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war; or Your participation in any military maneuver or training exercise;

16. Your participation in civil disorder, riot or a felony;

17. Accidental Injury or Sickness when traveling against the advice of a Physician;

18. Care or treatment which is not Medically Necessary;

19. Services not shown as covered; and expenses not approved by the Assistance Company in advance;

20. Care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation; or

3. Any Loss which occurs if You are in violation of the rental agreement;

4. Failure to report the loss to the proper local authorities and the rental company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass or tire damage;

7. Overhead damage;

8. Antique motor vehicles;

9. Any contents in the rental car;

10. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.